Santander latest changes to criteria.

17/01/2023

According to the latest bulleting from Santander, if a credit card balance has been paid in full each month for at least the last 6 months before application, this will not be included in their affordability assessment. If there has been a £0 credit card balance during the latest 6-month period, this counts as repaid in full for the purpose of this policy.
So, if you have small enough balances to clear each month, why not do that and perhaps that will help with affordability later on when you need a mortgage, rather than paying just the minimum payment.
Information correct at time of publishing, lender criteria can change with little or no notice

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